Research On Risk Management Of Public Credit In Lanzhou Branch Of Bank X

Since China’s economy has changed from rapid growth to high-quality development,with the increasing downward pressure on the economy,many enterprises in China are facing the impact of business discontinuity and liquidity risk.This is also a major challenge for banks,which are the main source of corporate financing,to manage corporate business risk.On the other hand,due to the imperfect internal control mechanism of banks and the "virtual" risk management system,it is not uncommon for small and medium-sized banks in China to have liquidity crisis or even bankruptcy and reorganization in recent years.Corporate credit business is the core business of banks,especially for bank branches.The quality of risk management is therefore regarded as the key factor for the future development of commercial banks.Since the beginning of corporate credit business,China’s commercial banks have built an effective risk prevention system,but for the overlapping of various risks in the new era and new situation,risk management and prevention still have more work to do.Therefore,under the new situation,the continuous improvement and dynamic adjustment of commercial banks’ corporate credit risk management system need more attention and research.Based on this,this paper takes Lanzhou Branch of Bank of X as an example to analyze in detail the current corporate credit business process of Lanzhou Branch of Bank of X,and put forward specific problems in combination with the case,and put forward practical solutions for improving the current risk management system.First of all,it expounds and summarizes the relevant concepts and theories of commercial banks’ corporate credit,mainly including the types of corporate credit risk,the main procedures of risk management and other concepts,and at the same time,it introduces the main theoretical basis of this study;Then,taking the Lanzhou Branch of Bank X as the research object,this paper analyzes the current situation of corporate credit risk management of Lanzhou Branch of Bank X at the micro level,and puts forward that the existing risk early warning system of Lanzhou Branch of Bank X needs to be further improved,the risk awareness has not been fully paid attention,and there are certain hidden dangers in the credit business process Corporate credit risk assessment methods are not comprehensive;Then,on the basis of analyzing the specific problems,this paper tries to put forward specific optimization measures from the aspects of improving the risk early warning management system,enhancing the credit evaluation ability,improving the assessment incentive and restraint mechanism,and improving the risk identification ability,with a view to providing corresponding reference for commercial banks’ corporate credit risk management.